BlastPoint's Credit Union Scorecard
BLUEGRASS COMMUNITY
Charter #12648 · KY
BLUEGRASS COMMUNITY has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.22% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.10% below tier average
- - Efficiency ratio 12.72% above tier (higher cost structure)
- - Delinquency rate 1.51% above tier average
- - AMR Growth Rate: Bottom 3.3% in tier
- - Loan Growth Rate: Bottom 4.6% in tier
- - Asset Growth Rate: Bottom 7.8% in tier
- - Deposit Growth Rate: Bottom 8.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 34 that size in Kentucky.
- Shares and deposits -8.9% year over year ($11.5M in shares and deposits).
- Membership: 1,872 members, +1.0% vs a year ago.
- Delinquency rate 3.05%.
- Return on assets 0.40%.
- Efficiency ratio 101.48% vs a 88.77% peer average.
- Loan-to-share ratio 58.02% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,872
+1.0% YoY+0.6% QoQ
|
-713 |
2,585
-1.7% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
49% |
| Assets |
$12.9M
-8.2% YoY+1.4% QoQ
|
$-17.3M |
$30.3M
+1.5% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
37% |
| Loans |
$6.7M
-23.9% YoY-6.2% QoQ
|
$-8.8M |
$15.5M
-1.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
41% |
| Deposits |
$11.5M
-8.9% YoY+5.8% QoQ
|
$-14.3M |
$25.8M
+1.1% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
39% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
-39.7% YoY-257.4% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
25% |
| NIM |
4.1%
+8.0% YoY-0.5% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
62% |
| Efficiency Ratio |
101.5%
+22.6% YoY-2.8% QoQ
|
+12.7% |
88.8%
-6.9% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 12.3% in tier |
| Delinquency Rate |
3.1%
+108.2% YoY+0.9% QoQ
|
+1.5 |
1.5%
+2.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.6% in tier |
| Loan To Share |
58.0%
-16.4% YoY-11.4% QoQ
|
-0.9% |
58.9%
-3.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
49% |
| AMR |
$9,693
-15.9% YoY+0.4% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
26% |
| CD Concentration |
34.0%
-25.6% YoY+3.6% QoQ
|
+9.5% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)